| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 1.81% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 1.20% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.87% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.15% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.41% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.94% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.76% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $689 | $689 | 0.18% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING RD E. LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $3K | $127 | $3K | 3.71% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING RD. S-2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $3K | $104 | $3K | 3.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 204 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 332 | $86K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 204 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.